Your Plan With Dan

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Your Plan With Dan

Advisory services offered through Triumph Capital Management, a registered investment advisor.

Meet Dan Mayer, a seasoned financial advisor based in Denver, Colorado. With a passion for helping individuals and businesses achieve their financial goals, he has established himself as an experienced advisor in the world of personal finance. Known for his knowledge, empathy, and commitment to client success, his philosophy emphasizes a personalized, modern, and strategic approach to wealth manag

ement. As the founder of "Your Plan With Dan," he has built a reputation for crafting tailor-made financial plans that align with clients' unique goals and circumstances, covering areas such as retirement planning, investment strategies, and debt management. Dan brings a wealth of knowledge and a personalized touch to every client's journey. Beyond individual consultations, Dan extends his passion for financial education as the host of the "Aspirational Wealth" podcast. He provides a platform for listeners to gain valuable insights and practical tips on their wealth-building journey.

08/27/2026

Every purchase comes down to one question...

Do you want what you want today, or what you want most?

It's easy to focus on what feels rewarding in the moment. The new car. The bigger house. The luxury purchase you've been eyeing.

But every dollar spent today is a dollar that isn't working toward the future you're trying to build.

The goal isn't to say no to everything you want. It's to make sure today's decisions don't come at the expense of tomorrow's opportunities. The most successful financial plans create room to enjoy life now while staying focused on the bigger picture.

Let's build a plan. Schedule a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/26/2026

Want to know what real conviction looks like? Watch what companies spend, not what they say.

Alphabet, Amazon, Meta, Microsoft, and Oracle are on pace to spend roughly $758 billion on capex this year, headed toward nearly $1 trillion annually by 2028. Five years ago that figure was around $130 billion. These are the most sophisticated capital allocators on the planet, spending from operating cash flow, and they are effectively rebuilding the industrial base of the digital economy in real time.

That spending doesn't stay in Silicon Valley. It flows through semiconductors, power producers, utilities, data center construction, cooling, grid equipment. AI-related industries now make up about half of S&P 500 market cap, and their earnings growth continues to outpace the rest of the index.

The second wave interests me even more: the companies that use this stuff. Roughly 1 in 5 American businesses already report using AI in their operations, and in industries like finance and information services it's closer to half. Early adopters with strong existing businesses get the margin benefits of AI without the capex bill or the nosebleed valuations.

Capex booms always overshoot eventually. I watch that closely. But betting against this much committed capital, this early in the adoption curve, has been expensive for a long time.

Want to learn more? Book a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

J.P. Morgan Asset Management. (2026). Guide to the Markets: U.S. 3Q 2026 (As of June 30, 2026). J.P. Morgan Asset Management.

08/25/2026

As your income increases, so does the value of every financial decision you make.

A dollar isn't just a dollar. It's a future investment, a potential stream of income, or years of compound growth. Once it's spent, that opportunity disappears.

That doesn't mean you shouldn't enjoy the life you've worked hard to build. It means every major purchase should be weighed against what that money could become if you gave it time.

Wealth isn't built by avoiding spending. It's built by understanding the tradeoffs and making intentional choices with your money.

Need help controlling your spending? Schedule a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/20/2026

Your investments don't have to be one size fits all.

With custom indexing, instead of owning a single index fund or ETF, you own the individual stocks that make up that index directly in your account. That creates opportunities for greater flexibility, including personalized tax strategies, the ability to align your portfolio with your values, and more control over what you own.

For the right investor, it's a more tailored approach to indexing without straying from a long-term investment strategy.

The best portfolio isn't always the most complex. It's the one that's built around your goals.

Start building your custom portfolio today. Book a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/19/2026

Every dollar you spend has an opportunity cost.

That vacation upgrade, luxury car, or bigger mortgage might fit comfortably into your budget today. But it's also money that could have been invested, compounded, or used to create future income.

The question isn't whether you can afford it. It's whether it's the best use of your money.

When your income grows, your financial decisions carry more weight. The right balance between enjoying today and investing in tomorrow is what builds lasting wealth.

Need help finding the balance? Schedule a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/18/2026

Markets follow earnings over time. Everything else is noise around that trend line.

So here's the number that matters most to me right now: consensus has S&P 500 earnings per share growing roughly 24% in 2026, driven by nearly 11% revenue growth and record margins above 15%. Estimates run from $340 this year to $456 by 2028. That's the engine.

And it's broadening. This started as a story about a handful of mega caps. Now the other 493 companies in the index are posting double-digit earnings growth too, and they've actually outperformed the Magnificent 7 year to date. Small caps just had their best stretch against large caps since 2021. Emerging markets are up over 50% in a year.

When leadership broadens, a market gets healthier, and harder to knock over with a single bad headline.

None of this means straight-line gains from here. Earnings estimates get revised, quarters disappoint, and the market averages a 14% intra-year drop even in good years. But when I weigh headline risk against a corporate sector growing profits at three times its long-term average, I know which one I want to anchor my decisions to.

Want to discuss further? Book a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

J.P. Morgan Asset Management. (2026). Guide to the Markets: U.S. 3Q 2026 (As of June 30, 2026). J.P. Morgan Asset Management.

08/13/2026

You probably wouldn't notice lifestyle creep if it walked right into your budget.

It usually shows up one small upgrade at a time. A nicer apartment. A new car payment. More subscriptions. More dinners out.

None of them seem like a big deal on their own, but together they can quietly absorb every raise and bonus you earn.

Making more money should create more options, not more obligations.

Before increasing your spending, make sure your financial plan is keeping pace with your income. The goal isn't to avoid enjoying your success. It's to make sure your future benefits from it too.

Schedule a call to evaluate your options here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/12/2026

Lifestyle creep rarely feels like a big decision.

It shows up a little at a time. A nicer apartment. A newer car. More dinners out. Upgraded vacations. As your income grows, so do your expenses, often without you realizing it.

The challenge isn't earning more. It's making sure your spending doesn't quietly rise to match every raise, bonus, or promotion.

Being intentional can save you in the long run. Schedule a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/11/2026

Just because you believe in a company doesn't mean your entire financial future should depend on it.

Whether it's SpaceX stock, company equity, or shares you've accumulated over time, having too much of your wealth tied to a single investment creates concentration risk.

If that company thrives, it can be incredibly rewarding. If it stumbles, your portfolio and potentially your income can take a hit at the same time.

Diversification isn't about giving up on a great investment. It's about making sure one position doesn't determine your entire financial future.

If you're in a similar situation, let's have a conversation. Book a call here: https://loom.ly/UieD7Io

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

08/06/2026

Every week I talk to investors who are convinced the other shoe is about to drop. I understand why. The headlines are loud right now.

Here's what the actual data says. The S&P 500 sits at 7,499 as of June 30. Earnings are doing the heavy lifting, with 2026 EPS growth tracking near 24% against a 25-year average of about 8%. The economic expansion is 73 months old, still young compared to the 104-month average expansion we've seen since 1982. And this year's worst drawdown so far was 9%, mild next to the 20% average drawdown midterm election years have historically delivered.

Valuations are full at 20.4x forward earnings, no argument there. But full valuations supported by real earnings growth are a very different animal than full valuations supported by hope.

Over the next few posts, I'll walk through what's driving this market, what could trip it up, and what I'd actually do about it as an investor. The short version: this market has real fundamentals underneath it, and the bumps along the way are a feature of investing, not a reason to sit it out.

*Advisory services offered through Triumph Capital Management, a registered investment advisor. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The views and opinions expressed herein are those of Dan Mayer and do not necessarily reflect the views of Triumph Capital Management, its affiliates, or its employees.

J.P. Morgan Asset Management. (2026). Guide to the Markets: U.S. 3Q 2026 (As of June 30, 2026). J.P. Morgan Asset Management.

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